IndusInd Bank offers credit cards to its customer based on their requirement and daily needs. One can apply for IndusInd Bank credit cards easily. There are credit cards for each and every customer who meets the IndusInd credit card eligibility requirements and who is able to submit the required documents.

This credit card offers best-in-class travel and lifestyle privileges to suit the refined taste of its elite customers. The card attracts a one-time joining fee of Rs. 5,999 and no renewal fee. Some features of Platinum Aura credit card are-

Get welcome gift vouchers from Satya Paul and Make My Trip.

Enjoy up to 15% discount at select partner restaurants.

Under the Priority Pass Programme, get complimentary access to more than 600 airport lounges across the globe.

This is a premium credit card by IndusInd Bank and is loaded with customized offers and privileges for an exclusive lifestyle. It comes with a one-time fee of Rs. 1,099 and a renewal fee of Rs. 500. Some of its features include-

Get reward points equivalent to the joining fee paid as a welcome gift.

Enjoy 10% discount when you shop for authentic Chelsea FC merchandise on Chelsea’s official online megastore.

Get complimentary Priority Pass Membership under which you can visit over 600 airport lounges across the globe.

Fulfil all your travel, dining and lifestyle requirements through the concierge facility.

This is an ‘invite only’ credit card by IndusInd Bank and is meant for elite customers. This is the first card in India that comes with a 22k gold inlay and is literally worth its weight in gold. Given below are a few features of this ultra-premium credit card-

Earn more rewards every time you use your credit card for your iconic lifestyle requirements. Also get tailor-made privileges like golf, travel and much more. You can enjoy the following benefits with this credit card-

Get MakeMyTrip gift card under the welcome benefit.

Also get the option of other gift vouchers from top brands like Pantaloons, Titan, Armani, William Penn, Hidesign, Woodland, etc.

Tee off in style at some of the most iconic golf courses in India along with free golf lessons.

Get complimentary access to over 600 VIP airport lounges around the world under the Priority Pass Programme.

Get 1% fuel surcharge waived off at all fuel stations for fuel spends ranging between Rs. 400 and Rs. 4,000.

Avail air accident insurance cover of up to Rs. 25 Lakhs.

Get accident management, medical assistance and other facilities through Iconia Auto Assist when you are on a journey.

Aadhaar Card, Passport, Driving license, Phone bill, electricity bill, Rental agreement and any other utility bill. Latest other bank/credit card statement also work as valid address proof provided that they are less than 3 months old

The process of applying for a credit card from IndusInd Bank is quick, simple and customer friendly. If you want to apply for this credit card, you can follow the below-mentioned steps:

Step 1-Click Here to begin with your credit card applicationStep 2- Fill in the basic details like mobile number, income details, date of birth etc.Step 3- Check the eligibility of the credit cards as listed. Look for the credit card that is suiting your financial circumstanceStep 4- If you meet the eligibility criteria as mentioned by the banks, you can proceed with the credit card application. A background check will be done by the bank and if your credit card is approved, it will be dispatched shortly to your mentioned address.

You can also apply for IndusInd Bank credit cards directly through their website or by visiting their nearest branch.

If you want to check the progress of your credit card application, you can call the bank executives at 1860 267 7777. The executive will ask for the application reference number, date of birth and registered mobile number and with these details, they can help you with the status of your credit card application.

When you use your IndusInd Bank credit cards to make purchases, you will earn reward points which can be redeemed against a wide range of gift vouchers and merchandise. The number of reward points earned differs from card to card and also on the basis of type of transactions made. The table given below shows the reward earnings on different credit cards-

Credit Card

Reward Points on All Spends

Reward Points on Special Categories

IndusInd Bank Platinum

Aura Credit Card

0.5 Savings Points/ Rs. 100

4 Savings points on departmental spends

2 Savings Points on Purchase of consumer durables or electronic items

1.5 savings points on Restaurant Bills and books purchase

IndusInd Bank Chelsea FC Credit Card

1 Reward Point/ Rs. 100

4X Reward Points for purchases across all merchant categories*

IndusInd Bank Indulge Credit Card

1.5 Reward Point/ Rs. 100

No Special Category Reward Benefits

IndusInd Bank Signature Credit Card

1.5 Reward Point/ Rs. 100

No Special Category Reward Benefits

IndusInd Bank Iconia Credit Card

1.5 Reward Point/ Rs. 100

(on weekdays)

2 Reward Point/ Rs. 100

(on weekends)

IndusInd Bank Worldmiles Credit Card

3 SpendMiles/Rs. 100 (on Signature Credit Card)

2 SpendMiles/Rs. 100 (on Platinum Credit Card)

3 PartnerMiles for every Rs. 100 that you spend on hotels bookings made on www.myworldmiles.com.

IndusInd Bank Platinum Credit Card

1.5 Reward Point/ Rs. 150

No Special Category Reward Benefits

Indusind Bank Platinum Select Credit Card

1 Reward Point/ Rs. 150

No Special Category Reward Benefits

IndusInd Bank Platinum Aura Edge Credit Card

0.5 Savings Points/ Rs. 100

4 Savings points on departmental spends

2 Savings Points on Purchase of consumer durables or electronic items

1.5 savings points on Restaurant Bills and books purchase

IndusInd Bank Legend Credit Card

1 Reward Point/ Rs. 100

(on weekdays)

2 Reward Point/ Rs. 100

(on weekends)

IndusInd Bank Pinnacle Credit Card

1 Reward Point/ Rs. 100

2.5 Reward Point/ Rs. 100 on e-commerce transactions

Jet Airways IndusInd Bank Odyssey Credit Card

4 JPMiles/Rs. 100 on Weekdays

6 JPMiles/Rs. 100 on Weekends

8 JPMiles/Rs. 100 on Weekdays

12 JPMiles/Rs. 100 on Weekends

(When transactions are made on Jet Airways website)

Jet Airways IndusInd Bank Voyage Credit Card

3 JPMiles/Rs. 100 on Weekdays

4 JPMiles/Rs. 100 on Weekends

6 JPMiles/Rs. 100 on Weekdays

8 JPMiles/Rs. 100 on Weekends

(When transactions are made on Jet Airways website)

*T&C Apply

Rewards Redemption

The accumulated reward points can be redeemed against vouchers and merchandise across different categories. You can also utilize the points on IndusMoments which is a dedicated e-commerce website for the redemption of your credit card and debit card reward points. Here, you can choose from over 6,000 products. Alternatively, you can redeem the points to get Oberoi Hotels & Resorts Stay vouchers, Genesis Luxury Vouchers, Airline Miles on partner airlines or direct cash credit into your credit card account.

The APR (Annual Percentage Rate) on most IndusInd Bank credit cards starts at around 46% which includes various charges including the risk spread in addition to the base rate charged by the bank. The interest on credit card is charged on a daily basis on any outstanding balances on the credit card.

Limits on Cash and Credit on your IndusInd Bank Credit Card-

Credit Limit: This refers to the maximum amount that you can carry as an unpaid balance on your credit card.

Cash Limit: This refers to the maximum amount you can withdraw using your credit card from an ATM. The cash limit is less than the allotted credit limit on the IndusInd Card.

Available Credit Limit: The available credit limit on your card is the difference the assigned Credit Limit on your card and the outstanding balance.

Available Cash Limit: This is the difference between the total cash limit less the amount that you have withdrawn as a cash advance on your card. The credit and cash limits on the card tend to vary from one credit card holder to another and this information is usually printed on your monthly credit card statement.

One can apply for 5 add on cards only on the Classic credit card offered by IndusInd bank. The add on cardholders will mostly have the same benefits and privileges that of Primary credit card and the credit limit will be the same unless specified by the bank.

What is the procedure of updating the address on credit card?

In case you want to update your address, you can contact the bank executives either through customer care service or through internet banking service.

One can pay either through online options which include NEFT, Internet Banking, Mobile banking, set an auto-debit payment mode, NACH Facility or the offline mode that is visiting the nearest bank branch and paying by cheque or by cash.